USDC

Demodras777

Probably part of the reason they stopped giving free yield on USDC and now require a subscription for anything reasonable.

DiamondHandsDarrell

I think we’re mixing up peg mechanics with governance risk. USDC is fiat backed with reserves, not algo and not over collateralized crypto backed. Its risk isn’t blow up to zero, it’s issuer control, censorship, regulatory dependency, and concentration of DeFi liquidity. That’s what Vitalik’s pointing at.but It’s a different risk profile than Terra style failures.

Django_McFly

DAI had a wild depeg prior to them changing the collateral years back to be mostly USDC.

osogordo

DAI is partially backed by USDC. It used to be 50% but it's less now.

Django_McFly

The numbers don't look good. ETH was up 300%+ when you compare the 2021 peak to the 2018 one. The 2025 one wasn't even up 5% vs 2021. From 300% to 5% to x%. That trend would suggest we don't get back to ATH next time. Combine that with all the fee reduction, which is great for users, but don't ever mention something about the burn driving prices or people needing to stockpile ETH to do transaction. They got the costs down 90%. Whatever they did need, they need 90% less per user. They need a 9X in activity just to get back to where they were: sub 5% gains over four years. I'm bullish on defi but 9X in activity on the biggest chain (especially if we're saying by next cycle) seems like wishful thinking. I'd rather take that bet on BTC. While it has diminishing returns, they aren't forecasting to negatives. I never thought of myself as a maxi but crypto is no longer a *buy anything good. wait four years and you'll be happy you bought*. Everyone that top ticked ETH and SOL in 2021 had like a 10 hour window in 2024/2025 where they had 5%-15% gains then it went back to losses. They could have bought USDC, put it into Aave and after a (one, singular) year they'd have gotten the same results. And they had years to withdraw and take advantage, not 10 hours or it's back to losses. You have to pick winners and losers now.

ExplanationNormal339

Vitalik's right that USDC/USDT concentration kills the decentralization narrative, but [AimyTrade](https://aimytrade.io?utm_source=reddit&utm_medium=comment&utm_campaign=CryptoCurrency&utm_term=MARKET&utm_content=variant_1771001442431_d94rej) tracks which algos actually maintain peg under volatility.

coinfeeds-bot

tldr; Vitalik Buterin criticized centralized stablecoins like USDC and USDT for dominating DeFi and centralizing the market. He advocates for algorithmic stablecoins backed by cryptocurrencies like Ethereum or Bitcoin, aiming to reduce reliance on USD-based stablecoins. Algorithmic stablecoins lost popularity after the Terra USD collapse in 2022, but Vitalik supports their potential to decentralize DeFi. He also suggests moving away from USD as the main stablecoin peg to avoid centralized control. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

MariachiArchery

This is a terrible comparison. Coinbase has *reserves* dude. *Billions* of dollars, BTC, ETH, USDC... whatever, in *reserve.* Like, they have it, in their custody. FTX didn't invest, they stole. They didn't have reserves.

Valuable_Act8980

The only issue I had was buying coins on DEX, it’s not allowing USDC purchases again.

CipherScarlatti

I just had multiple transactions fail. Yeah, that's the ticket! So if you could just restore my balances of 6 Bitcoin, 1500 Litecoin, $12 of USDC, and 1.5 billion PEPE, that would be great. /j

johnnylebs

Deposits shifting from banks to stablecoins (and vice-versa) would have very little impact, if any on the treasury market or commercial lending rates. When banks lose deposits they sell assets, when USDC gets deposits it buys assets. There’s some small liquidity cost, but it’s not impactful. If USDC competes aggressively on offering yield it would raise the cost of deposits for banks (which they wouldn’t want), but there’s considerable margin compression that would happen before deposit scarcity actually impacts lending rates. Banks don’t want this because it increases competition in a way that isn’t “fair” to them. They’re not necessarily wrong - they face meaningfully higher regulatory overhead (things like tight capital constraints and FDIC insurance) that USDC and the like do not. The answer is likely going to be some combination of bank de-reg, more stablecoin reg, and longer term I would guess comprehensive integration of stablecoins into the reserve banking system.

OhWiseWizard

I will simply point out that all of this obviously paid shilling happening around Layer Zero right now is incredibly misleading. Yes, once upon a time (2-3 years ago) LZ had quite a lot of messages. Almost all of these were "cross-chain" scam NFTs and scam tokens getting created during a cycle boom phase, zero of which remain active today. This accounts for OVER 75% of the 159M+ messages they are boasting everywhere. At this time there were roughly 50-60k messages per month. Now there are 6,000, and messages have been dropping regularly. Of the 6,000 I would be highly suspicious anything is really useful/legitimate, though I'm not going to dig any deeper, but given that they have no major DeFi partners I would guess the real messages are much lower and what we're looking at are essentially the cross-chain tx version of wash trading to boost numbers (this is likely where their USDT/USDC claims come in, just transferring money back and forth and counting that as messages). Completely ignoring the legitimacy or illegitimacy of the messages, the picture paints a dying protocol, once the most active cross-chain protocol, now second to Chainlink CCIP, where most of the transactions are coming from active DeFi protocols and actual token exchanges, not just tokens getting moved around to different dead L1 blockchains. Boasting 168 active chains when we all know the number of chains that are actually active, well.. yep. Anyway, wouldn't normally care to rectify this but it's obvious LayerZero is paying big bucks right now to try to get people to notice and buy their token. Why would they be doing that? Gee, I wonder.

Willing_Gas7868

Self-custody protects you from banks, but PAXG and USDC still carry issuer and regulatory risk, they’re safer than a local bank in your case, maybe, but they’re not risk-free

Blueberry_Dependent

They did that many times after some hackers got their hands on USDT and USDC. Before they swap for Monero those addresses were flagged and banned on the network so they couldn't transfer, swap or do anything with those coins.

Lv99_Slacker

Yeah, I've also just recently realized how much the bitcoin lending space has grown. Some others I'll mention that you didn't list: Debifi, Lava, Lygos Finance, Cadena Bitcoin, Firefish. For me, the three most important factors when deciding which platform to go with are: 01) It's non-KYC; 02) If it offers sub-$10k loans; 03) It's non-custodial. https://www.lava.xyz/ I'm testing out a sub $1k loan from Lava right now. It meets 2 out 3 of the criteria I listed. It's custodial, unfortunately. Initially, Lava tried to offer self custody using a protocol called discreet log contract (DLC), but ran into an issue trying to implement it, so they opted for the custodial route. For sub $1k loans, I'm okay with using custodial services. Anyway, the Lava loan is distributed as USDC-SOL.

coinfeeds-bot

tldr; The article analyzes the distribution of 10 major stablecoins (e.g., USDT, USDC, DAI) across blockchain networks like Ethereum, Solana, and BSC. Ethereum remains the dominant platform for stablecoins, especially those tied to DeFi and institutional use cases, while Tron is significant for USDT due to low transaction fees. Some stablecoins, like BlackRock's BUIDL, adopt multi-chain strategies to mitigate risks. The study highlights concentration risks for stablecoins heavily reliant on single chains and the growing role of Layer 2 solutions in the ecosystem. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

JKimRX

Countries have already begun issuing stable coins , such as USDC and USDT.

Hot-Efficiency7190

Far out there, maybe if US banking system restricted cash movements, trust in value of those $ reduced, then onchain USDT or USDC could gain value. Extraordinarily unlikely, not completely unrealistic over a long enough time period.

WeeklyDiscount4278

Yeah that makes sense. Didn’t connect it to USDC at first. Thanks for pointing that out.

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Post is by: Tsmacks1 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1oju517/how_quantum_computing_could_derail_crypto_and/ I asked Gemini "What happens if everyone sold stablecoins at the same time?" **Answer:** A simultaneous mass sell-off of stablecoins would likely trigger a severe crisis in the cryptocurrency market and potentially have significant spillover effects on the traditional financial system. The core issue is that a stablecoin's stability relies on confidence and the ability of the issuer to meet all redemption requests at the pegged value (e.g., $1.00 for a dollar-pegged coin). Here's a breakdown of what would likely happen: **1. Stablecoin "Run" and Peg Failure** Loss of Confidence and Peg Collapse: A mass sale is essentially a "coin run," similar to a bank run. Issuers of fiat-backed stablecoins (like USDC or USDT) would face overwhelming redemption requests. If their reserves (cash, Treasury bills, etc.) cannot be liquidated fast enough or if the market value of those reserves drops, the stablecoin would "depeg," meaning its value would fall below $1.00. Contagion Among Stablecoins: The failure of one major stablecoin would likely cause panic, leading to runs on other stablecoins, even if their reserves are considered safer. Investors would rush to sell to fiat currency (actual dollars) or the safest remaining assets. **2. Market-Wide Crypto Crash** Liquidity Crisis: Stablecoins are the primary trading pair for almost all other cryptocurrencies (e.g., buying Bitcoin with USDT). If stablecoins lose their value or become illiquid, the main mechanism for trading, hedging, and capital movement in the crypto ecosystem breaks down. Mass Liquidations: Traders and decentralized finance (DeFi) protocols that use stablecoins as collateral or for lending would be forced into mass liquidations. This selling pressure would cascade across Bitcoin, Ethereum, and the entire altcoin market, causing a sharp, severe price crash. **3. Spillover into Traditional Finance (TradFi)** Forced Asset Sales: To honor redemptions, stablecoin issuers would have to rapidly liquidate their reserve assets. Since major stablecoins hold billions in real-world assets like short-term U.S. Treasury bills and commercial paper, a massive, forced liquidation could flood these markets, driving down prices and increasing borrowing costs for governments and corporations. Strain on Banks: Some stablecoin reserves are held as bank deposits. If issuers withdraw these uninsured, large deposits all at once, it could put severe strain on the banking system, especially smaller institutions. Regulatory Scrutiny and Policy Response: The event would trigger an immediate, aggressive regulatory response worldwide, focusing on how stablecoins operate and are backed, likely leading to stricter rules or even outright bans in some jurisdictions. In short, a simultaneous, mass stablecoin sell-off would be a catastrophic financial event for the crypto world, likely resulting in a deep and prolonged bear market and potentially causing significant, though probably contained, disruption to traditional financial markets. **My comments:** Now imagine Bitcoin and all other crypto's tanking at the same time. DeFi and crypto are completely vulnerable to attacks from quantum computing. These are the stakes for the necessity of post-quantum cryptography (PQC). If the "future of finance" does not include PQC, then stablecoins will be anything but stable. At the end of the day, crypto is a marketplace. And we need the market to tell crypto it values security with PQC. Sleep walking into a disaster would make a perfect excuse to centralize crypto and destroy the individual freedoms it provides. The market needs to demand this change take place. The decentralized future hangs in the balance. Quantum resistance should be embraced as a security innovation, not dismissed outright. This paradigm shift is coming and it's going to be sooner than people think. For more, see recent comments by Charles Edwards and Anatoly Yakovenko. This is no longer FUD, but reality. And quantum computing should not be feared, but seen as an opportunity to innovate. The foundational trust that crypto is built upon depends on it. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

sandrapanda98

The Solfart presale accepts SOL, ETH, BNB, USDT, USDC, and credit cards. No excuses. Anyone can get in.

WIRED_REFLEX

Treasury-backed stablecoins (such as USDC and USDT) can be locked—or "frozen"—by their issuers against suspicious activity?

Logical_Lemming

Well they were paying 3.5% or so for a while, which would mean they were passing on the majority of their treasury yields. But it looks like they locked USDC rewards behind their Coinbase One subscription back in December, so that's kinda garbage.

mrjune2040

There is really no rational reason for this to be the case. Much more likely is a de-peg to the downside related, this has happened before when USDC was assumed to have exposure via some of its cash reserves to Silicon Valley Bank—both USDC and DAI (which itself had exposure to USDC) fell to around 85c.

Blueberry_Dependent

They still can freeze the address. Go for diversification and different addresses. Try to use different address each time you access the money. Also maybe hold some other crypto like BTC which is not going to be frozen. I think also ETH might be hard to freeze but since the USDC is on ETH blockchain and they can freeze addresses then I guess they can do the same with ETH.

antaran

>I mean Coinbase is kinda cool for paying out USDC rewards for self-custodied balances. You realize they park your USD in US treasuiers, earn the yield and then give you small part of this as "reward"?

anymonero

I'd recommend DAI over USDC because Circle can blacklist your money.

Mission_Shopping_847

I think they're missing the trick. As part of my financial products in Canada I currently use a fintech/neobank that offers a USD account that can also be transferred in/out as USDC, but lives normally as a standard USD account with full interest. That setup works for both banks and crypto native companies regardless of the outcome of this fight since the majority of people are never going to go crypto native anyway. What do they fear? A stablecoin that adds interest on the protocol?

EduPepper

holding PAXG and USDC in a self-custody wallet is a solid move for your situation, since you control the keys and no third party can freeze your assets. for long-term storage, consider using a hardware wallet for the seed phrase and maybe diversify a bit with a small allocation to BTC as a hedge. i used a similar set up to preserve value before moving countries, keeping most in stablecoins and a portion in PAXG, managed everything through alicebob wallet for the convenience and security.

Calm-Professional103

You might want to take a look at Beans Wallet. Stellar USDC earns 6% yield (yUSDC) and there are yield earning versions of wrapped BTC and ETH (yBTC and yETH. On- and off-ramps depend on what country you’re from

magus-21

So how do you plan to buy USDC/EURC/PAXG without those massive cuts?

magus-21

In your situation where government seizure of bank accounts is a real threat, then yes, USDC + PAXG is quite safe as long as you're very careful with your private key. Just don't expect to be immune to government seizure. Unless you think the authorities will be convinced by the old "I lost my wallet in a boating accident" excuse. They might not be able to get your money from your wallet without your "permission," but will you really deny them that if push comes to shove?

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Post is by: In-Hell123 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1r1gsr7/how_safe_is_it_to_hold_paxg_usdc_in_a_wallet_for/ so I live in a country where I don't trust banks or the government there were mass arrests for people taking out USD from banks from their own accounts because the gov was running low on USD, they took their money and forced people to exchange their USD for local currency. and I only have access to XTB which I also don't trust, it can be hard to put all my money in stocks because I'm afraid I might lose access or get banned and lose my money unjustifiably and be unable to sue since I live in a shithole I have a long term goal to immigrate in 1-2 years so I need to save up my money somewhere away from everyone and only accessed by me till I move out, open a bank account and cash out to buy a house or stocks or something. how safe is it to hold PAXG for a few years (most likely 1-2 years and maybe 3 max) in a wallet with USDC and a stable EUR coin, what do you guys think? *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Logical_Lemming

I mean Coinbase is kinda cool for paying out USDC rewards for self-custodied balances. They're the only CEX that does that AFAIK. Of course that'll have to stop if this bill passes.

NFTbyND

If you pay me using USDC on midnight, i and no one else can see your address/wallet info :)

coinfeeds-bot

tldr; The IMF has reversed its stance on stablecoins, now endorsing them as mainstream financial assets backed by the US Dollar or US Treasuries. Previously, in Dec 2024, the IMF criticized stablecoins as risky. The latest report highlights their growing role in global finance, particularly for cross-border transfers, featuring major stablecoins like USDT and USDC. Despite this shift, the IMF remains critical of Bitcoin and other cryptocurrencies, urging countries like El Salvador and Argentina to limit their cryptocurrency adoption in exchange for financial aid. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

Blueberry_Dependent

Get them out of the exchange! Then keeping them in BTC. They can't freeze or take them this way. If you swap for USDT or USDC then you screwed

GBeastETH

It won’t be Tether. It will be regulated and audited coins like USDC from Circle.

I_Walk_Slow

They’re using USDC on Solana mostly

OBXAngler15

This is my plan right now as well. I just deposited some cash into USDC on Coinbase to earn some yield until sub 55k to start deploying some cash. I’m setting limit orders. Would love to scoop some up at lower prices but this market rarely does what you want it to do lol.

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Post is by: VibinNoodle and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1r0l6vr/so_i_guess_were_all_waiting_for_btc_at_50k/ It's pretty clear we are in a downtrend and a lot of people seem fixated on that $50K BTC level before they start loading up. Fair enough. Nobody knows if we actually get there, hover around $70K longer, or briefly dip lower and reverse hard. What most people do agree on is that BTC is not done long term and new ATHs will come eventually. I am also waiting for lower levels and setting cash aside to wait for a better entry level, but at some point I asked myself why that cash should just sit there doing nothing. If the plan is to buy later anyway, earning yield in the meantime simply increases future buying power without adding market risk. So I decided keeping my USDC on Nexo is the best startegy for now - earning interest while the market figures itself out. No rush, just letting time work until we get a price zone that makes sense to buy in. Also, since this is my first "active" bear market, I was wondering if there are any better setups/ strategies out there? *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

-5H4Z4M-

DCAing does not mean you can't keep also a moon bag next to it in case big opportunity happens. This is actually what I do, I have a daily DCA on bitcoin and in extra I add few hundreds Stablecoin each month to accumulate them in case something happens like the flash crash of October 2025 where I been lucky enough to have time to make 2 transactions because I already had USDC ready on the blockchain.

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Post is by: Pristine_Sorbet_6445 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1r01x0e/a_stablecoin_backed_by_the_three_scandinavian/ *Note: I wrote this post myself first but realized the structure was all over the place and barley made any sense. So in hopes of you guys actualy understanding what im trying to say I had AI summarize my thoughts and ideas into this post. The core idea and all the points are mine tho, just cleaned up so its readable* Ok so I usally dont post on reddit, mostly just lurk but me and a colleague have been going back and forth on this idea and I feel like we need some outside opinions. Were not launching anything tomorrow, this is very much still in the “are we stupid or is this actualy something” phase so be honest So basicly we were discussing the stablecoin market and how its almost entirely USD denominated. USDT USDC etc. And he just goes “why isnt there one for scandinavian currencies?” And from a macro standpoint it actualy makes alot of sense The nordic economies have some of the strongest fiscal positions globally. Norways GPFG sits at roughly $2 trillion, largest sovereign wealth fund in the world. Virtually zero net public debt, consistant current account surpluses. Sweden is basicly already cashless, around 90% of transactions are digital. Denmark has maintained one of the most succesfull currency pegs in modern history, DKK to EUR via ERM II since 1987, held perfectly. After Bulgaria adopted the euro jan 2026 denmark is the only country left in ERM II. All three countries hold AAA ratings from all three major agencies So we came up with **Trekronor** ($3KR) Single stablecoin pegged to an equally weighted basket of NOK, SEK, and DKK. Esentially a synthetic scandinavian currency unit, think the old ECU before the euro but for the nordics and on chain. Name comes from “Three Crowns”, symbol of scandinavian unity since the kalmar union 1397 Why its diffrent Most stablecoins give you single-currency exposure to USD, meaning full exposure to fed policy, US fiscal risk, dollar inflation. $3KR spreads across three independant monetary regimes with low correlation to each other and to the dollar. From a portfolio theory standpoint thats objectively a better risk-adjusted position Not totaly uncharted territory btw The closest thing anyones done in the nordics is Monerium, an icelandic company that launched EURe back in 2019, basicly the first fully regulated euro stablecoin on blockchain. They got an e-money license from the central bank of iceland and have processed over €6 billion in volume. And just last year SEB (one of swedens biggest banks) joined a consortium to launch a MiCA compliant euro stablecoin expected sometime 2026. So theres clearly institutional appetite for this kind of thing in the region. The diffrence is nobody has done it for the actual scandinavian currencies themselves, its all euro denominated. Thats the gap were looking at Use cases ∙ Nordics-native store of value without FX risk against home currencies ∙ Diversifaction for holders overexposed to USD stablecoins ∙ Cross-border settlement for intra-nordic trade ∙ Global access to scandinavian stability without foreign bank acccounts Under MiCA this classifies as an asset-referenced token (ART) since its pegged to a basket rather then single fiat. Over 50 MiCA licenses granted across EU as of late 2025 so the regulatory path is relativley clear Ticker: $3KR. Self explanitory Before you rip us apart – we know Look were not pretending we have all the answers thats literally why were posting this. But weve thought about the obvious pushbacks ∙ “nobody will use this over USDC” – yeah the network effect is real, were not trying to compete with USDC for global dominance. The play is more niche, nordics focused first, people and businesses that actualy operate in these currencies daily ∙ “liquidity in three small currencies is a nightmare” – yep. NOK SEK DKK are not deep markets like USD or EUR. Reserves in three currencies means 3x the complexity. We know this is probaly the hardest practical problem ∙ “ART classification under MiCA is harder then EMT” – also true. More capital requirements, stricter governance, ESMA oversight. Its not a walk in the park but its also not impossible, the framework exists ∙ “Monerium has €6B volume but tiny market cap so regulation ≠ adoption” – fair point honestly. Thats exactly the kind of thing we need to figure out before going further Were not here to shill anything. This is genuinley us trying to figure out if theres something here or if we should move on. So yeah, poke holes in it thats what we want *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

funkinaround

> — Wow, way to go, LLM. For anyone else reading along for whatever terrible reason, go read the attestation reports. BDO confirms that Tether is backed every quarter. The attestation reports are good enough for the NYAG and are also good enough that USDC produces the same reports. Tether Truthers move goal posts and are never satisfied, which is why dinosaur-boner is so hung up on audits and doesn't attempt to challenge the assurances of Tether's backing.

_Vlxd_

1. Sell ETH 2. Withdraw USDC to fiat 3. Never look back That’s it, it’s that simple

graytleapforward

The deathblow to ADA was not onboarding USDC or Tether. I mean where were the users going to come from?.

alxkwl

Just took out $100K HELOC, yolo'd on ETH at $1800, supplied to AAVE, borrowed USDC at 50% LTV, bought Bitcoin at 65k.

NPC_With_Agency

100%. IOTA saw the vision first. The difference is infrastructure vs. standards. IOTA tried to bootstrap a whole new network from scratch. x402 just patches the existing internet (HTTP) to accept existing money (BTC/USDC). No niche token needed, just a standard protocol. Great point though. They were definitely the pioneers.

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Post is by: NPC_With_Agency and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1qzbyl4/the_machine_economy_is_arriving_and_wall_street/ Right now, the market is obsessed with "Macro" — unemployment numbers, interest rates, and ETF inflows. They are treating crypto like just another high-beta tech stock. They are dead wrong. While everyone watches the *human* economy, a **non-human economy** is being built right under our noses. And unlike us, this new economy has no choice but to use crypto. We all know AI is blowing up. But here is the problem: **An autonomous AI Agent cannot walk into a bank and open a checking account.** It doesn’t have a driver’s license. It can’t pass a KYC check. It can’t get a credit card. So, if millions of AI agents need to buy data, pay for storage, or rent compute, what money are they going to use? They are going to use the only rails that are permissionless and programmable: **Crypto.** This isn't sci-fi for 2030. The plumbing is literally being laid right now. The "HTTP 402" (Payment Required) error code has been broken for 30 years. It is finally being fixed *right now*. * **Coinbase & Cloudflare** launched the **x402 Protocol**. * This standard allows AI agents to pay for resources (like reading a news article or calling an API) instantly, without a login or credit card. * Cloudflare is already handling **billions** of AI requests that can now be monetized this way. **T**he logistics of the payments is where the alpha is. * **For "Big" Payments:** Agents will likely use **USDC** (on Base/Solana/Ethereum) for larger settlements. * **For "Streaming" Payments:** Imagine an AI paying for electricity *by the second* or buying data *by the token*. You can't do that with a credit card (too slow) or even most L1s (gas fees). You need **Lightning** (or potentially high-throughput L1s) to stream money efficiently. Bottom line, Wall Street thinks the "AI Trade" is buying Nvidia stock. The *real* trade is buying the currency that the AI itself is going to earn and spend. We are front-running an entire new species of consumer. Let the tourists panic sell. The machines are bidding. **Discussion:** Do you see AI agents preferring Stablecoins (ease of use) or Native Assets (censorship resistance) for their economy? ... And obviously, this isn't financial advice. I'm just a dude with an opinion who is long Bitcoin and holds positions in the assets mentioned. This post is a thesis on market mechanics and technology. DYOR. I could be wrong. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Aerocryptic

Sold some small positions for USDC. Swapped 50% of my remaining TAO for subnet tokens as it looks like they’ve bottomed out. What’s your moves?

armchairdude

Why are we looking at web traffic instead of on-chain metrics? When is the last time you visited the website for USDC, USDT, Bitcoin or Ethereum?

Fun_Kangaroo512

Bitcoin has never had a guaranteed floor. BTC has dropped 70–85% multiple times after being “too important to fail.” ETFs reduce volatility over time, but they do not eliminate deep drawdowns. > “Bitcoin is staked with the US and Chinese government” This is false. Bitcoin cannot be staked (that’s Proof-of-Stake; BTC is Proof-of-Work). The US government holds BTC mainly from seizures (Silk Road etc.), not strategic staking. China officially bans Bitcoin trading and mining; it does not back or stake BTC. There is no sovereign staking or backing of Bitcoin. > “Bitcoin is backed by US Treasuries” Flatly incorrect. Bitcoin is not backed by anything, by design. Some stablecoins (USDT, USDC) hold US Treasuries — Bitcoin does not. ETFs may hold BTC custodially, but that is not “backing.” > “BlackRock and Coinbase are staked” Wrong terminology again. BlackRock’s ETF custodies Bitcoin, it doesn’t stake it. Coinbase acts as custodian, earning fees — not staking BTC. > “Bitcoin is more valuable at lower prices” Not economic truth. Lower prices may increase future upside and adoption incentives. But Bitcoin’s network value, security budget, and miner economics improve at higher prices, not lower. Unlike the dollar, BTC does not gain utility from being weaker. > “For Bitcoin to fail, USD and JPY would have to fail” This is provably false. Bitcoin could fail due to: regulatory bans protocol failure loss of miner security superior competing tech Fiat currencies can survive just fine without Bitcoin. Bitcoin is not systemically required for fiat survival.

Jealous_Dust_6292

Stablecoins for the US dollar are privately issued cryptocurrencies designed to maintain a 1:1 peg with the USD, usually backed by cash and US Treasury reserves. While no federal government-issued stablecoin exists yet, the most prominent, regulated options are USD Coin (USDC) by Circle and Tether (USDT).

Environmental-Fix876

1. I was wrapped in the voyager fiasco. They went down and took all of my funds and my friends with it. One of my friends was using voyager as a USDC as a savings account to farm APY at a much higher rate than his bank. All gone. We’ve received some payment back. But pennies on the dollar. 2. Have you ever tried to transfer large funds on and off of Coinbase and other platforms? You will be surprised by the security lock up risks. I’ve heard horror stories, and I’ve had an experience myself. When it happens to you, it’s a great reminder that it’s NOT your money anymore. It’s theirs, until the relinquish it to you. 3. This is the largest of all. The WHOLE point of crypto is to be DECENTRALIZED. Pull the money out of the centralized monetary system. Bring the ownership and storage of money to the individual. This allows the individual to USE the money like a bank would. Lend it, borrow with it, collect brokerage advantages with it, provide liquidity, stake it as validation. There are many ways that crypto can take the money back from institutions and give it back to the people. The way that this works is if you hold it and own it in your custodial wallet. I agree with you. The systems in place are infantile and not at all accessible. It’s changed a lot in 5 years, but it’s still a difficult learning curve. But as these technologies advance, and it becomes more accessible, this is the possible future of our monetary system. If all of these investment opportunities were seamless, it would absolutely change the whole world. Your whole point kills this possibility. It keeps the money in the hands of the institutions and the wealthy. That is not the point of cryptocurrency.

dubble22

I lost in blockfi. Your keys your coin. Why trust a stranger over yourself? For retail buy USDC and purchase. Super simple.

WormHole_15

The recurring BTC purchase couple is BTC/EUR? I don't need to swap EUR in USDT or USDC for the recurring BTC buy? What if I edit the DCA to increase or decrease the amount? Do I pay the first week fees again? Thank you for your help

ADHD-Developer

Usdt is basically US dollar backed by Tether treasury (there has been questionable reports about them before) i would recommend you to use USDC instead (more audits on their treasury and proof of backed holdings)

anymonero

APR for WBTC dropped below .01%, USDC is at 2.5%. So that would mean they don't expect BTC will go up by more than 2.5% in the next year.

ChripToh_KarenSy

Agreed, I would have done the same. Funny thing is some customers sold the BTC on the platform, which bought Bithumb some time to freeze the USDT/USDC that were exchanged from the BTC the customers sold. Not to mention the current price of BTC is not attractive for selling as well, so they should have just transferred those BTC to their wallets and hold.

MaximumStudent1839

This idea isn't novel. Back in the early days, Blast did this for its rollup. Then Hyperliquid did it for its USDH. And USDH also considered using its yield to conduct buybacks. Then you also have things like Noble trying to do this revenue share by getting other chains to adopt its USDN. Also, by the looks of their partnership with Ethena, it sounds very much like Sui's new USDsui. The trouble with these things is that ppl are reluctant to adopt them; see the discrepancy in OI between USDC and USDH pairs on Hyperliquid. Ppl use stables as collateral. The last thing you want is to put up with temporary depegs on your stable - absolute horror. If you don't hard-code your oracle to keep your native stable pegged, and put the real collateral to generate yield on another protocol, you risk depegging during periods of pressure. If ppl aren't comfortable using it as collateral, you'll have trouble generating real yield to keep these stables away from redemption. In turn, you most likely end up treating your token like a shitcoin to subsidize yield. If you hard-code your oracle to keep your native stable in peg, you open yourself up to additional attack vectors and leave users feeling uncomfortable about staying in your ecosystem.

kitrz77

I mean, I wouldn’t count USDT and USDC.

PlutoPlaneta

depeg means when 1USDC ist not worth 1USD anymore. depending on what type of stable coin it is minimal fluctuatuons are normal but once it hits 99%.xxx something of the value its considered not really stable anymore.

magus-21

> Based on this, can I assume 'aaand its gone' is not in the picture? It is. USDC's viability as a dollar promissory note is based entirely on Circle's solvency, and according to [their filings](https://finance.yahoo.com/quote/CRCL/financials/), Circle had $2.41 billion in revenue in 2025, and negative $200 million profit. Between 2021 and 2025, they made $6 billion in revenue, and negative $1.04 billion in profit. Do you want to put your money in a bank with those financials? And that's just for Circle and USDC. That doesn't account for Kraken's financial health, which is unclear because it's a private company. That being said, Circle SHOULD have enough reserves to cover any USDC issued. And they produce regular attestations to that effect. So the risk of insolvency should be pretty low. The question is, is it worth 2% extra APY to take that risk, when HYSAs already offer 4% risk free up to $250,000? >If I understand you correctly, the behind the scenes stuff is surprisingly similar to a bank, yet with better yield. I could go with that concept (Im thinking 2 year horizon in this one) Conceptually it is, except that you don't have the same insurance against failure that a bank does with the FDIC.

MemeyOreos

probably 70-80% deployed most days. been stacking SEI heavy since the price is still so low compared to where it could go. rest in USDC just in case we get another leg down but idk feels like we're closer to a run than a dump

northcasewhite

Do they trade your USDC or lend it to other people?

Aggravating_Dish_824

What stable have least risk of crash: USDC or USDT?

Large-Cow9765

Why even include USDT and USDC?

StatisticalMan

I likely am going to piss everyone off but .. I mean honestly the top 10 is why nobody takes crypto seriously. Bitcoin ok. It was first. Even if it is is replaced someday that day hasn't come yet. Ethereum obvious belongs in there. Arguably the most useful L1 even more so than bitcoin (although that hasn't helped the price). USDT and USDC ok. They aren't really crypto investments. As for the rest: * BNB - centralized shitcoin for a centralized shitchain controlled by a single exchange? * XRP - enough siad * SOL - the shitcoin engine that can't scale and routinely fails to execute * TRX - I got nothing bad to say but honestly forget it still exists * DOGE - Who is going to take that seriously * BCH - shitcoin trading on the bitcoin name Imagine if the Mag7 was this derpy.

No-Magician-2257

It is logic. The SAFU funds is holding the same asset they need to reimburse in case of hacks. If they held USDC they would need to top it up every time BTC goes up to hold same coverage ratio but by holding in btc they hedge themselves against FX rates.

deedoi28

If u search online, all bitcoin ETF averages are at 80-90k. All ETF outflows are huge. And, US GOVT would like people to buy stable coin and then they buy US bonds, not Bitcoin. Stable coin likes CIRCLE/USDC would benefit from clarity acts. I don’t understand how Bitcoin will benefit !? 🤦

coinfeeds-bot

tldr; Charles Hoskinson announced an agreement between Cardano's Pentad and Circle to integrate USDCx, a privacy-focused version of USDC, into the Cardano ecosystem. USDCx is designed for institutional use, offering private transaction details while maintaining a 1-to-1 reserve model with USDC. This integration aims to enhance Cardano's DeFi liquidity, credibility, and institutional readiness, potentially attracting more participants and strengthening its decentralized finance infrastructure. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

hi-leo-4242

You’re feeling what *everyone* feels in their first real drawdown. The emotional part doesn’t mean your plan is wrong — it means your position size is finally big enough to matter. That’s a rite of passage. Since you’re still in profit *for now*, there’s one practical thing people don’t talk about enough during dips: **tax-loss harvesting**. *NOT TAX/INVESTMENT ADVICE, DYOR.* If price drops below your cost basis on some of your buys, you can: 1. Sell the lots that are at a loss 2. Realize the capital loss for tax purposes 3. Use that loss to offset capital gains (stocks, crypto, etc.) or up to ordinary income limits (depends on country) 4. Re-enter the position after (or sometimes immediately, depending on local rules) You end up: * Still holding BTC exposure * Reducing your tax bill * Turning volatility into an asset instead of just pain Big players do this constantly in choppy markets. Retail mostly just watches PnL go red and suffers. This doesn’t change your long-term conviction — it’s just risk management and tax efficiency while you wait. Bear markets are where positioning and structure matter more than hype. Also, separate two things mentally: * Price pain (temporary, emotional) * Thesis break (fundamental, rare) If the thesis hasn’t changed, this phase is about survival and smart positioning, not prediction. First cycle hurts the most. The second one feels “normal.” The third one feels like opportunity. You’re not weak — you’re just early in the psychological game. ✨PSA: I built a product called [Accret.xyz](https://accret.xyz/) to help serious crypto investors to set up **DCA buy/sell onchain** on Base/Solana network with much lower trading fees, earn up to 7% yield on your idle USDC, **automated tax loss harvest** service (if you know, you know :) ) and 100% self-custody 💪 Give it a try if you are interested, and let me know what you thinks! KEEP CALM and HODL ON!!!

Sharlach

Coinbase pro is better if you're actively trading. We mostly just buy and hold though, so I don't even know what the fees are. We like to park cash in USDC for the yield too. Plus we do use the credit card, and that has minimum balances you have to maintain. I think in general Coinbase is the gateway crypto exchange for most people. Sleek, easy to use, and not intimidating, etc. I've personally never had a problem with anything, either, so I've had no reason to switch to anyone else. I still have the same bank account I opened when I was 18 too.

GabeSter

Personally sitting at 1 hour and 25 minutes waiting for my low four digit Kraken USDC withdrawal.

watch-nerd

USDC is a good project

watch-nerd

"Your BTC-USDC order was filled" |Price|69,420.69 USDC| |:-|:-|

CeFurkan

I started withdrawing my USDC i hope not shut downs until i do all

goldticketstubguy

Have any of you reloaded on USDC? We can all help. However low this dip goes, we have a better chance of going to the moon if we DCA together. Do you understand? Apes together, strong.

AutoModerator

Post is by: badco1993 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1qwcbtw/kaspa/ Kaspa's tech is already a beast for real-world, everyday use: sub-second confirmations, 10 BPS on the horizon (post-Crescendo), thousands of TPS potential, near-zero fees, and pure PoW security without compromises. This makes it perfect for the one sector that's proven crypto has massive, recurring volume today—**gaming** and **esports** economies. Think about it: * In-game skins, cosmetics, loot boxes, and virtual item trading (CS2, Roblox, Fortnite-style marketplaces) generate billions in annual microtransactions. * Esports betting, play-to-earn rewards, streaming tips, cross-game asset portability—all need ultra-fast, low-latency, congestion-proof settlement. * Current chains struggle: Ethereum gas spikes kill UX, Solana has outages at peak, centralized solutions lack trust/decentralization. Kaspa solves this natively on L1—no L2 hacks needed for basic high-frequency flows. At 10 BPS, we can handle hyper-fast tx for thousands of concurrent players without blinking.The opportunity: If we drive adoption here first, we create a flywheel of daily on-chain volume that could dwarf many L1s. Gamers are young, tech-savvy, and already crypto-curious—get them using KAS for in-game purchases, and it becomes habit.Proposal: Create a dedicated Kaspa Gaming Bounty Program / Incentive FundBuild on the existing community DevFund model (donations to treasurers, public votes in #devfund/#funding-pools) and expand it specifically for gaming:Sample Bounty Ideas (with rough reward tiers in KAS): * $5,000–$20,000 equivalent in KAS → Build & open-source a Kaspa payment SDK/plugin for Unity/Unreal Engine (easy in-game tx for skins/rewards). * $10,000–$30,000 pool → First 3–5 indie games (or Roblox/Unity prototypes) that go live with Kaspa-integrated microtx (proof via on-chain volume + demo). * $2,000–$10,000 each → Wallet integrations for gaming platforms (e.g., seamless Kaspa QR/payments in Telegram mini-games, Steam-like marketplaces, or esports payout tools). * Bonus: High-throughput tools (e.g., batching for 10k+ tx/min during tournaments) or bridges for stablecoins in gaming (USDC on Kaspa for fiat-like feel). How to fund & run it: * Seed from community donations (add a "Gaming Fund" wallet address, managed via multisig + public votes like current DevFund). * Start small: Target 500k–2M KAS initial pool via crowdfunding campaign in Discord/Reddit. * Post bounties on GitHub, Discord, or a simple bounty board (inspired by Gitcoin-style but Kaspa-native). * Community/review team verifies completions (e.g., merged PR + live demo with real Kaspa tx). This isn't reinventing the wheel—Kaspa already does routine bounties and community funding pools. We're just laser-focusing on the highest-leverage vertical: gaming microtx to drive daily volume and prove Kaspa's edge.What do you think? * Would you donate to / support a Gaming-specific fund? * Devs here—interested in claiming these bounties? * Ideas for better bounty specs or first targets (e.g., specific games/studios)? * Any existing gaming projects on Kaspa we should amplify? *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Dugtrio_Earthquake

Stable coins are great as an alt currency.   Seriously,  fuck Visa and Mastercard and Swift. A USDT/USDC transaction costs me $0.07 instead of the 3% interchange rate the bankers want to charge. Btc sucks as a currency because of the insane valuations.

Epictricker2025

I already bought at the beginning of the bear run namely USDC, PAXG and XAUT. But if you mean what im going to buy after the bear market it's going to be BTC, XRP and HYPE.

Rich_Butterscotch202

I’m really struggling with that. I think what I’m going to do is if the price stays firm throughout Saturday I will probably hold and then sell all of it Sunday a few hours before the Super Bowl, and keep it in USDC (Since Solana is super unstable right now) and then just watch it the following week and if it continues to go up, I will just put a little more in that I don’t mind losing… And ride that out. This coin is not connected to MrBeast so my theory is that once the Super Bowl is over and everybody sees that MrBeast did not promote it, you are going to have a lot of people that are going to exit. The majority of people already know it is not sponsored by MrBeast, but who knows the amount of people that have money in it that don’t…

Elemental_Breakdown

Don't most of the exchanges do this for you? Anyway, if you need the money for living expenses you *expected* to have, you shouldn't have invested it in anything but a savings account with interest or USDC with interest. If you don't absolutely need it then you are fine, it's doing exactly what we expected it to do and you probably need to wait until the next ATH to sell a little. The next price it's probably going to test is $68,000.

CriticalCobraz

**Key Points:** * Charles Hoskinson announced on January 29, 2026, that the Cardano Pentad and Circle have signed an integration agreement to bring USDCx to the Cardano ecosystem. * USDCx is Circle’s privacy-focused version of USDC, designed to provide a trusted dollar asset with enhanced privacy features, enabling confidential transactions on blockchain. * This integration aims to boost institutional adoption, improve liquidity, and strengthen Cardano’s DeFi ecosystem by aligning with a major stablecoin issuer. The move is part of the Cardano Pentad’s Critical Infrastructure Proposal, funded through on-chain governance.

AwareChair6095

Use the market that has lowest fees and best bid/ask spread. Probably it's cheaper to go from EUR to BTC directly, because when you first convert to USDC there will be additional fees. Other than that there is no real difference.

SirArthurPT

USDC/T are a huge danger. They can be remotely frozen.

user_name_checks_out

If you just want to convert EUR into BTC, then I don't know why you are talking about USDC. I would not use Binance, I recommend Strike, if it is available in your jurisdiction, otherwise Kraken.

Sea-Environment-5938

From a markets perspective, ADA’s underperformance isn’t that surprising. Liquidity, stablecoin depth, and active users tend to concentrate where capital efficiency is highest. ETH L2s, Solana, and Avalanche captured real USDC liquidity early, which matters a lot for trading, DeFi, and onboarding new users. Cardano’s ecosystem growth has been slower, and that shows up clearly in TVL, volumes, and dApp usage metrics. Tech philosophy aside, markets tend to reward traction first and research later.

perceptual01

By no means am I pro binance but my USDC withdrawal on kraken took 15-20 min to process the other day. We going to write an article about that too? This is silly IMO

graytleapforward

ADA never adopted USDC or USDT when it mattered. Unfortunately that ship has sailed.

durants

You say USDC on Solana, but the address you provided is an Ethereum address (0xb47d79796148c8ca5c827fa237c56a266ecf5bd2). https://etherscan.io/address/0xb47d79796148c8ca5c827fa237c56a266ecf5bd2#tokentxns Does your wallet also have access to Ethereum and its tokens?

CoinHelpGuy

Dude that Banxa/TrustWallet mess sucks—I've seen this before where funds "vanish" to random addresses but are actually stuck on Solana network. Your USDC isn't gone, just trapped on Solana (not Ethereum/Base).Quick fix: Download Phantom wallet (Solana only), import your seed phrase, swap USDC to SOL there (super cheap), then bridge/send to Base or Coinbase for Polymarket.Hit my DMs if you get stuck on the wallet import or swap—happy to walk you through it step by step.

HedgehogGlad9505

If by stable you mean the dollar value always stays the same, then USDC. If you mean something always going up every single day, such thing does not exist.

uthillygooth

USDC going to 2$ soon

jagharendratmig

Congratulations, this is a perfect time to deploy fresh money in to infrastructure related coins and eth & USDC for staking. I would say that you should wait until the current technical brakedown has stabilized. We need to get rid of some weak hands now and when we run out of sellers the price will stop falling and is ready to resume upward trajectory.

Phine420

If I find USDC in my wallet I just buy eth. Rinse and repeat

No-Contribution9918

You're not wrong, but it is also unsurprising. Mob mentality is a Reddit-wise. Cardano already has bridged USDC, and it did nothing for them. ADA and DOGE where the only two coins in the top ten to not reach a ATH in terms of price or market cap.

AutoModerator

Post is by: KarimHann and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1qtlk0i/sold_btc_into_usdc_erc20_now_want_to_get_back/ Hey everyone, Quick question, looking for some advice. A while ago I sold some BTC into USDC on Ethereum (ERC-20) to sit in stablecoins for a bit. Now I want to rotate back into BTC exposure. Since I’m already on Ethereum, I’ve been looking at WBTC as the easiest way to get back into “Bitcoin” without having to bridge or move funds to a centralized exchange. From what I understand, WBTC seems to be the main BTC representation on Ethereum with the most liquidity, so swapping: USDC → WBTC on something like Uniswap feels like the most straightforward option. The reason I’m hesitant about using third-party swap services (Changelly/Rango/etc.) Or centralised exchange like coinbase,binance,kraken etc is that I’ve heard they can sometimes freeze transactions or ask for KYC/proof of funds, and I’d rather avoid that kind of hassle if possible. So I wanted to ask: • Is Uniswap the best way to do a clean USDC → WBTC swap? • Any risks I should be aware of (slippage, MEV, custodian risk with WBTC)? • Would you recommend WBTC or something else like tBTC? Appreciate any input just trying to do this in the simplest and safest way. Thanks! *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

SBX-Bronx

Listen, you buy, you hold, but you do sell some eventually to take in some profits. I always wait after a year to pay less capital gains. You never sell everything. Since BTC fluctuates a lot, you can sell some when it goes up. Always have a stash you don’t sell. Then buy again when it drops. There is one thing that’s guaranteed in crypto and stocks. They will always go up and down, but don’t try to time the market. Set a percentage of profit in your mind, like let’s say. If it goes up to 40% or more and you have been holding got more than a year take the profit on 1/2 of what you own. Then keep the money in USDC earning 3.65 % and have buy orders in your advance trading exchange with that same money. So when it goes down you are buying again. Rinse and repeat.

Django_McFly

It's not *buy whenever and hodl* on "majors"... whatever that even means given what SOL and ETH did. Both of them were only above their 2021 high for like 5 hours before crashing below it. There were good gains to be made, but you have to make strategic entries now. You have to buy when it's in the shitter. BTC fell to $17k. SOL to $20. ETH was $900. As long as you started getting in by the time it was 2X off the bottom, you made out like a bandit. What you don't want to do is top tick, wait four years and find out that had you bought USDC instead and put it into Aave, you'd have made that 5% in a (singular) year.